It can be slightly more difficult to get Osteoarthritis critical illness cover than life insurance because of the potential additional risks to health and lifestyle so you will find that this kind of application may require additional information. If your condition is not severe and your symptoms are mild then you should find that Osteoarthritis critical illness cover will be available at the same rate as someone with no medical history with no exclusions.

For someone with more severe symptoms or if there are outstanding investigations for example, you may find that your application for Osteoarthritis critical illness cover could require you to provide medical evidence from your GP. For someone with more severe symptoms there is a possibility that your Osteoarthritis critical illness cover premiums could be higher to reflect the increased levels of risk. You should also be aware that your Total and Permanent Disability benefit would be excluded from your policy.